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Citizens State Bank
Miles, TX · FDIC Certificate #15519 · Chartered 08/0
Total assets
$270.09M
Total deposits
$239.57M
Total equity
$29.59M
Net loans
$209.37M
Branches (offices)
2
Net income (YTD)
$3.50M
Rank: #2,607 of 4,213 U.S. banks by assets · #225 of 346 in Texas. Assets changed 4.5% and deposits 3.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.55% |
| Return on equity | 24.27% |
| Net interest margin (YTD) | 4.46% |
| Equity to assets | 10.96% |
| Tier 1 leverage ratio | 10.74% |
| Uninsured deposits (share of deposits) | 35.6% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.38% |
| Loans to deposits | 87.4% |
| Real estate loans (share of loans) | 70.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $148.39M | 70.9% | |
| Commercial & industrial | $35.45M | 16.9% | |
| Consumer / individual | $5.97M | 2.9% | |
| Construction & development | $15.44M | 7.4% | |
| Agricultural | $21.96M | 10.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $224.15M | $204.26M | $2.18M | $19.62M |
| Jun 2023 | $219.27M | $198.00M | $2.70M | $20.70M |
| Jun 2024 | $230.44M | $206.35M | $2.91M | $23.35M |
| Jun 2025 | $258.38M | $230.95M | $3.39M | $26.65M |
| Jun 2026 | $270.09M | $239.57M | $3.50M | $29.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $239.57M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $239.57M.
Similar-sized banks
North Shore Trust And Savings ($270.26M) · Mediapolis Savings Bank ($269.86M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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